NerdWallet rating: 4.0/5.0 Where Citizens Access shines: Highly competitive savings account rate and CD rates No fees Where Citizens Access falls short: High minimum opening deposits No checking account No mobile apps Where Citizens Access shines: Highly competitive savings account rate and CD rates No fees Where Citizens Access falls short: High minimum opening deposits No checking account No mobile apps... Amber Murakami-Fester is a writer at NerdWallet.